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Travel Insurance for Thailand
Avoid major financial risks in Thailand, such as unexpected baggage loss or hospital stays. While travel insurance for Thailand isn't mandatory, protecting against high medical costs is crucial for your peace of mind.
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Travel Insurance for Thailand
While travel insurance is not mandatory for Indian tourists visiting Thailand, it is a highly recommended and essential investment. Since foreign nationals are not eligible for free medical care in Thailand, and costs for high-quality medical care at private hospitals can be expensive. A comprehensive travel insurance plan for Thailand safeguards you from unexpected medical emergencies, trip mishaps, and other unforeseen circumstances, ensuring a worry-free vacation.
Types of Thailand Travel Insurance
You should choose a plan based on the purpose of your trip:
| Plan Type | Ideal Audience | Key Recommendation |
|---|---|---|
| Individual/Family Plans | Leisure travellers, honeymooners, and small family trips for up to 60 or 90 days. | Designed for short-term tourist visits to Thailand's popular destinations like Bangkok, Phuket, or Krabi. |
| Senior Citizen Plans | Travellers above 60-70 years of age. | Tailored to cover common age-related risks, travel assistance, dental emergencies and more. |
| Annual Multi-Trip Plans | Indian business travellers or frequent fliers who take multiple trips to Thailand in a year. | Provides coverage for all trips under one policy, as per the maximum trip duration (e.g., 30 or 45 days). |
Key Reasons to Get Travel Insurance for Thailand
- Dual Pricing System: Thailand has legalised dual pricing, which means that there are different medical treatment rates for Thais and non-Thais. The cost of medical services for non-Thai visitors is higher, so it's important to have sufficient medical coverage.
- Emergency Medical Coverage: This covers unforeseen illnesses, accidents (especially those involving water sports, trekking, or motorcycle rentals), and necessary hospitalisation expenses during your trip.
- Adventure Sports Coverage: Thailand is known for its diverse range of adventure activities like scuba diving, snorkelling, jet skiing, and trekking. You will need travel insurance with an adventure sports add-on to cover injuries from these high-risk activities.
- Medical Evacuation: Provides coverage to transport you back home or to the nearest appropriate medical facility if a critical medical emergency occurs.
Thailand Travel Insurance: Typical Coverage & Exclusions
Your travel insurance plan for Thailand should provide the following, with certain limitations:
| Inclusions | Exclusions |
|---|---|
| Emergency medical expenses, including hospitalisation, OPD, ambulance, etc. | Pre-existing diseases are not covered unless a specific PED add-on is purchased |
| Personal liability cover for accidental injury/damage to third party | Planned medical treatments are not covered |
| Emergency medical evacuation and repatriation of remains | Losses due to war, terrorism or breach of law |
| Trip cancellation and trip interruption | Injuries due to water sports or hiking (if participating professionally or without an adventure sports add-on) |
| Daily hospital cash allowance | Pregnancy or pregnancy-related costs (unless covered under a student plan) |
| Loss or delay of checked-in baggage | Self-inflicted injuries or injuries as a result of drug/alcohol misuse |
Thailand Travel Insurance Add-Ons
Travelling to Thailand from India may feel like a very quick and convenient journey, but we can assure you it's not! From a change in climate to drastic dietary restrictions, Thailand can surprise you- and not always in a good way.
Be it an unfortunate case of food poisoning or an accident during a fun water sport, you should always be prepared.
Add-ons for Thai travel insurance provide that extra layer of protection in case you already suffer from a health condition and want to be safe during your trip. Especially if planning to snorkel or go scuba diving, make sure to buy an adventure sports cover.
What does the Travel Insurance for Thailand from India cover?
From medical expenses to rental damages during water sports, there is a lot that can go wrong. Travel insurance for Thailand from India covers a range of expenses caused by several disasters. Some of the common inclusions and exclusions are as follows:
Covered in Policy
The following are the cases that are mostly covered under your international travel insurance policy:
Medical Expenses
Travel medical insurance for Thailand covers hospitalisation expenses, evacuation and repatriation expenses in case of an emergency.
Personal Liability
If you somehow become liable to a third party while travelling abroad, then your India to Thailand travel insurance will help you shoulder the costs.
Flight Cancellations
In case your flight is cancelled due to covered reasons, this Thai travel insurance will compensate you for additional expenses.
Flight Delay
You will be compensated by your Thailand trip insurance for the inconvenience of your delayed flight if it is over a certain time limit.
Home Burglary Insurance
In case of a burglary at your home back in India while you're on your trip, travel insurance for Thailand trip will compensate you for the losses as per your policy term.
Passport Loss
Your tourist insurance Thailand will cover you for the costs incurred in getting a new or duplicate passport.
Baggage Loss
If your airline misplaces or damages your luggage, then your Thai travel insurance policy will provide a fixed sum to reimburse you for those damages.
*Disclaimer- You must read your policy wordings thoroughly to know the exact inclusions of your travel insurance for Thailand.
Not Covered in Policy
The following are the cases that are not covered under your international travel insurance policy:
Medical Exclusions: Medical tourism (travelling for treatment), Travelling against doctor’s advice, Nervous/Mental Disorders, PED conditions (unless you have purchased PED add-on), Self-inflicted injuries, Routine check ups or cosmetic surgeries
Travel Exclusions: Losses incurred due to civil war, rebellion, or military actions, Chemical or biological weapons, and acts of terrorism are not covered. Loss due to your own negligence such as leaving your passport unattended and it was stolen, then you won't be covered for it.
Legal Exclusions: Any liability claims related to employment or professional activities, intentional damage caused to a third party, legal action taken against travelling companions or family members are not covered.
*Disclaimer- You must read your policy wordings thoroughly to know the exact exclusions of your travel insurance for Thailand.
Why Buy from Policybazaar.com?
Buying from us comes with a lot of benefits:
Travel insurance for Thailand from India
Easy Comparison: Compare multiple policies on the go
Accepted Worldwide: Plans that are approved worldwide, including visa insurance requirements.
Budget-friendly: Find the cheapest travel insurance for Thailand
Instant Issuance: Get your policy within minutes
Global Support: Emergency & claim assistance throughout the world
Why Do You Need Thailand Travel Insurance?
Thailand travel insurance from India is your safety while you get lost in Thailand’s ultimate experience. Your trip to Thailand can be for meditation retreats, sightseeing or hiking to hilltop temples. However, there is no harm in being cautious about your carefully planned trip. To ensure that everything goes smoothly during your trip, you can get this security from travel insurance policy for Thailand, so that nothing ruins your time here! Suppose you
- Fracture your leg while snorkelling in Phuket, then your insurance will cover hospital bills, surgery and other medical costs
- Lose your bag and passport at Chatuchak Market, then your travel insurance will cover emergency passport replacement as well as extra days at the hotel
- Miss your Chiang Mai flight because your connecting flight from Delhi to Bangkok was delayed, then you can be reimbursed for the rebooking expenses and related expenses
- Can’t find your checked-in bag while flying in Krabi, then your Thailand flight insurance will cover essentials like clothes, medicines, toileteries etc.
What’s more, you can buy optional covers along with your Thailand travel health insurance plan. In that case, it will offer you additional benefits such as home burglary insurance, adventure sports cover, automatic policy extensions, and more.
Documents Required for Thailand Travel
Citizens from 93 nations, including India, can enter Thailand without a visa for up to 60 days. However, Indians can also apply for a Thailand visa online (Thai evisa) when visiting for longer duration and different purpose of visits:
Entry Requirements for Thailand Travel
The following are the general documents required for a Thai tourist visa from India:
As of May 2025, non-Thai travellers need to provide financial proof that they have at least THB 20,000 in available funds.
Thailand has also implemented that visitors entering the country fill out the TDAC, the Thailand Digital Arrival Card, starting May 1, 2025. They must do so at least three days before arriving in Thailand.
You need a valid Indian passport and Completed Thai visa application form
Evidence of confirmed hotel/accommodation in Thailand
Yellow fever vaccination certificate
Other than these, make sure you buy Thailand travel insurance so that you don't face any financial setbacks in case of an emergency there.
Travel Insurance Purchase
The following are the documents required to purchase travel insurance.
Passport number of travellers
ID proof, like PAN or other government-issued documents, for the proposal form
KYC for Thailand travel insurance from India is required before purchase*
*You must also have your travel dates and destination for the proposal form.
Travel Insurance Claim
The following are the documents required for travel insurance claim.
FIR or police report for criminal cases
Copy of your passport with immigration stamps
ID Proof
Completed claim forms
Copy of your original policy
Original bills and receipts
You may be asked to provide all of these or more documents, depending on your claim.
Fast Facts About Thailand
Here's a quick overview of the Thailand to help you plan your trip better:
| Category | Specification |
|---|---|
| Time Zone | Indochina Time (GMT +7) |
| International Airports | Chiang Mai International Airport, Samui International Airport |
| Language Spoken | Thai, Yawi, Teochew, Lao, Akhan and Karen |
| Currency | Thai Baht |
| Capital | Bangkok |
| Country Code | +66 |
| Best Time to Visit | November - early April |
Do You Need a Visa for Thailand?
Thailand is among the countries offering visa on arrival to Indians. As of January 2025, Indians can also apply for a Thailand eVisa. Until any further announcement, Indians with ordinary passport are still visa exempt and can only stay here for up to 60 days. Depending on the motive of visiting, a Thailand visa can be categorised into the following:
➣ Thailand Transit Visa
➣ Thailand Non-immigrant Visa (Business/Investment/Education/Research/Religion/Media, etc.)
➣ Destination Thailand Visa
➣ Long-Term Resident Visa
➣ SMART Visa
➣ Diplomatic
➣ Official
➣ Courtesy
➣ Privilege Entry Visa
Money-Saving Tips in Thailand
Given its abundant attractions and well-developed cities, Thailand offers a spectacular experience to tourists. However, exploring the whole city without a proper budget could burn a hole in your pockets. Here are some ways to save money while travelling to Thailand:
Budget Hotels
If you plan more sightseeing and activities, avoid luxury resorts and opt for affordable budget hotels or guesthouses
Go for Street Foods
Cook your own meals if you have low funds. It's the best option for vegetarians who feel limited due to fewer options
Save on Cabs
Opt for BTS Skytrain and MRT in Bangkok instead of taxis; they are cheaper
Avoid Exchange Rates
Withdraw large sums from an ATM to avoid high ATM fees and exchange rates
Look for Deals
Travel during off-peak season (May - October) to save money on flights and accommodations
Most Visited Places in Thailand
Thailand offers a lot to explore. Be it its mesmerising beaches or traditional heritage, this place has many things to treat your eyes. Some of the top tourist attractions and things to do in Thailand include:
Railay Beach: Thailand's most iconic beach, perfect for sunbathing, swimming in turquoise waters, kayaking, snorkelling, diving, and even rock climbing on limestone cliffs.
Koh Phi Phi: Known for Long Beach and Monkey Beach. Explore vibrant marine life or visit the stunning Maya Bay, famously featured in the movie The Beach.
The Grand Palace in Bangkok: A must-visit in the capital, this majestic complex showcases Thailand's rich heritage. Must visit: Temple of the Emerald Buddha.
Sunday Walking Street, Chiang Mai: A bustling night market with mouth-watering Thai food like pad Thai and chicken satay. Perfect for unique local goods like handmade textiles and herbal soaps.
Pai: A serene northern escape with scenic landscapes, delicious food, and warm Thai hospitality. A peaceful contrast to the southern beaches.
Khao Yai National Park: Home to Thailand's beloved elephants, this lush reserve also features monkeys, exotic birds, and jungle treks.
Phuket: The country's largest island offers golden beaches, vibrant nightlife, flavourful cuisine, and historical gems like Old Phuket Town with its Sino-Portuguese charm.
Thailand Travel: Safety & Precautionary Measures to be Undertaken
Thailand is ranked #76 out of 163 on the Global Peace Index for measuring safety in the world. However, a few precautions will go a long way while you're here:
- Food or drink spiking is typical here, so avoid accepting them at parties or isolated events
- Buy a travel card for Thailand from India to minimise cash or currency conversion hassle
- Make sure to buy travel insurance online for Thailand that protects you from all of the above, so that you're not left stranded here
- If caught consuming alcohol illegally, you will have to pay a fine of THB 10,000.
- The fine for smoking here is THB 100,000 or imprisonment.
Travel Insurance for Thailand from India: FAQs
-
Q: How to buy travel insurance for Thailand?
Ans: You can easily buy a plan from any insurer online. It only takes a few minutes to buy a travel insurance plan for Thailand. You can buy it even on the day you leave for Thailand. -
Q: I am travelling to Thailand next month. Do we need travel insurance for Thailand?
Ans: Travel insurance thailand is no longer mandatory. However, to ensure full protection, buy travel insurance for Thailand from India as soon as you've finished bookings. -
Q: Which is the cheapest travel insurance for Thailand?
Ans: This depends entirely on your trip duration and purpose. However, if you opt for the cheapest Thailand travel insurance, it may not be sufficient. IT is recommended to get a policy offering coverage for at least USD 10,000. -
Q: Why is Travel medical insurance Thailand important?
Ans: Travel insurance is vital to secure your trip against unexpected risks related to travelling, such as flight delay, trip cancellation, loss of checked-in baggage, medical emergency while travelling, personal liability, etc. -
Q: How can I buy the best travel insurance for Thailand from India?
Ans: You can buy travel medical insurance Thailand online or offline. If you want to buy online, visit Policybazaar.com to browse the plans, compare and buy. -
Q: Is travel insurance mandatory for the Thailand visa on arrival?
Ans: No, Indians no longer require medical insurance for Thailand if they wish to go for a visa upon arrival. However, it is highly recommended that they buy Thai insurance for their trip to avoid any mishaps later. -
Q: How much is the travel insurance for Thailand from India price?
Ans: Thailand travel insurance cost varies with the traveller's age, number of days and other specific requirements. -
Q: Will my travel insurance online for Thailand cover trip delays or cancellations?
Ans: This depends entirely on the type of travel health insurance Thailand you will buy. If it's a basic plan only offering coverage for medical emergencies, then you won't be covered. However, trip delays may be included if you have opted for the best travel insurance for Thailand. -
Q: How to go Thailand from India?
Ans: You can go to Thailand for tourism or other purposes. The best way is to fly to Thailand from major Indian airports, but you can also go on a lengthy road trip (approximately 3200 km) which takes 2 days. -
Q: What is Thailand to India flight cost?
Ans: India to Thailand and vice versa will cost you depending on season, departure city, airline, and more. Price can be as low as INR 14,000. -
Q: Do I need Thailand health insurance to visit Bangkok?
Ans: It is not mandatory to buy Bangkok travel insurance, but it is extremely useful to safeguard yourself in Thailand.
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Disclaimer: The list of insurers mentioned are arranged according to the
alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any
particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of
insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India
refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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* Price shown is for a 90 day trip to Thailand with 50,000 dollar coverage for an adult of age 25 years
